Configuring Your Digital Loan Application: Credit Card Configuration

Last updated: January 28, 2026

Overview

This guide covers the specific settings for Credit Card products, including category management, visibility controls, and rate table integration to ensure a seamless member experience.

1. Default Loan Criteria

This section sets the baseline financial parameters for all credit card applications across your platform.

  • Minimum Payment Percentage: Define the Credit Card % Minimum Payment of Balance (e.g., 2%). This value is used to calculate the applicant's estimated monthly debt obligation.

  • Borrower Collection: Toggle the Enable Co-Borrower Collection switch if you want to allow joint applications for these products.

2. Credit Card Product Management

Manage specific card offerings (e.g., Rewards, Platinum, or Secured) within your product suite.

  • Add Credit Card: Use the + Add Credit Card button to create a new card offering.

  • Product Status: Control visibility for each card using the Status dropdown:

    • Active: Visible to all applicants.

    • Hidden: Configuration is saved but not live.

    • Active via link: Only accessible through a direct URL for targeted marketing.

    • Direct Links: Each product generates a unique application link (e.g., /loans/apply/credit-card/...) for easy sharing.

    • Allow Balance Transfer: Select Yes or No to determine if applicants are prompted to move existing balances during the application.

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The image below shows the 'End user Display.'

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This is how the ''Learn More Content'' is displayed to the applicant.

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3. Rate Table Management

Credit card pricing and tiers are managed through a dual-component system to ensure accuracy:  

  • The Rate Table (View-Only): This is a live preview on your dashboard displaying your active tiers, interest rates, and credit limits. It cannot be edited directly on the screen.  

  • The Rate Sheet (Editable File): To update rates or limits, you must download the Rate Sheet template, update the values in Excel, and re-upload it. This sheet serves as the "source of truth" for the card's pricing.  

  • Please see the How to Update Your Rate Sheet Guide for Rate Updates

Mapped Rate Table: Use the dropdown in the category setup to assign a specific rate sheet (e.g., "Rate Sheet A") to the corresponding card category.

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Saving

  • Save: Click the Save button at the top right of the page to store your configurations.